Please be advised you will not receive any email notification to claim/unlock/unsuspend your account or to provide any private information. Please be aware of any Phishing Scams to obtain information from you.

On Friday, September 18, 2009, Irwin Union Bank, F.S.B., Louisville, KY was
closed by the Office of Thrift Supervision, and
the Federal Deposit Insurance Corporation (FDIC)
was named Receiver. No advance notice is given to the
public when a financial institution is closed.

The FDIC has assembled useful information regarding your relationship with
this institution. Besides a checking
account, you may have Certificates of Deposit, a car loan, a business checking
account, a commercial loan, a Social Security direct deposit, and other relationships
with the institution. The FDIC has compiled the following information,
which should answer many of your questions.

The FDIC has issued a press release
(PR-174-2009) about
the institution's closure. If you represent a media outlet and would
like information about the closure, please contact
David Barr at 1-202-898-6992.

All deposit accounts have been transferred to
First Financial Bank, N.A., Hamilton, OH ("assuming
institution")
and will be available immediately. The former Irwin Union Bank, F.S.B. locations will reopen as branches of
First Financial Bank, N.A. during normal business hours.

Your transferred deposits will be separately insured from any accounts
you may already have at First Financial Bank, N.A. for six
months after the failure of Irwin Union Bank, F.S.B. Checks
that were drawn on Irwin Union Bank, F.S.B. that did not
clear before the institution closed will be honored as long as there are
sufficient funds in the account.
If you have questions about your account(s) transferred to the assuming bank, you may speak to an FDIC representative regarding deposit insurance by calling 1-800-528-4893.

You may withdraw your funds from any transferred
account without an early withdrawal penalty until you enter into a new deposit
agreement with First Financial Bank, N.A. as long as
the deposits are not pledged as collateral for loans. You may view more
information about First Financial Bank, N.A. by visiting their web site.

The Automated Teller Machines (ATM) and online service will remain available.

During regular business hours,
you may continue to use the services to which you previously had access,
such
as
safe deposit boxes, night deposit boxes, wire services,
etc.

Your checks will be processed as usual. All outstanding checks
will be paid against your available balance(s) as if no change
had occurred. Your new bank will
contact you soon regarding any changes in the terms of your account. If
you have a problem with a merchant refusing to accept your check, please
contact your branch
office. An account representative will
clear up any confusion about the validity of your checks.

All interest accrued through Friday, September 18, 2009, will
be paid at your same rate. First Financial Bank, N.A. will
be reviewing rates. You
will be notified of any changes.

Your automatic direct deposit(s) and/or automatic withdrawal(s) will be
transferred automatically to your new bank. If
you have any questions or special requests, you may contact a representative
of your assuming institution at your
branch office.

If you had a loan with Irwin Union Bank, F.S.B., you should continue to make your payments as usual. The terms of your loan will not change, because they are contractually agreed to in your promissory note.
Checks should be made payable as usual and sent to the same address until further notice. If you have further questions regarding an existing loan, please contact your loan officer.

For all questions regarding new loans and the lending policies of First Financial Bank, N.A., please contact your branch office.

If you or your company provided a service or product, leased space, furniture,
or equipment to Irwin Union Bank, F.S.B. after
Friday, September 18, 2009 and have not
been paid you do not have
a claim against Irwin Union Bank, F.S.B. Please follow your normal
billing procedures by providing an invoice as instructed.

Claims against failed financial institutions occur when bills sent to the institution
remain unpaid at the time of failure. If you or your company provided a service
or product, leased space, furniture, or equipment to Irwin Union Bank, F.S.B. prior
to Friday, September 18, 2009 and have not been
paid you may be
entitled to a claim against the bank. If you provided a product to or a service
for Irwin Union Bank, F.S.B. prior to the bank's failure for which you have not
been
paid
and you have not received communication, please
contact:

Please note: There are time limits for filing a claim, your claim must be filed on or before 12/23/2009.

All shares of Irwin Union Bank, F.S.B. were owned by its holding
company, Irwin Financial Corporation (NYSE: IFC). The holding company
was not included in the closing of the bank or
the resulting receivership. If you are a shareholder, please do
not contact or file a claim with the Receiver. You may contact
the holding company directly
for information as follows:

The FDIC offers a reference guide to deposit brokers acting as agents for their investor clientele. This site
outlines the FDIC's policies and procedures that must be followed by deposit brokers when filing for pass-through insurance
coverage on custodial accounts deposited in a failed FDIC Insured Institution.